CPSS (Consumer Portfolio Services) Cyclically Adjusted PS Ratio: (As of Sep. 21, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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CPSS Consumer Portfolio Services Inc CPSS
56 GF Score
Price $9.49
GF Value $11.94
Valuation Modestly Undervalued
! 7 Warning Signs
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What is Consumer Portfolio Services Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Consumer Portfolio Services  (NAS:CPSS) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Consumer Portfolio Services Cyclically Adjusted PS Ratio Related Terms


Consumer Portfolio Services Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Consumer Portfolio Services's Cyclically Adjusted PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Consumer Portfolio Services Cyclically Adjusted PS Ratio Chart

Consumer Portfolio Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.88 0.61 0.61 0.68 0.56

Consumer Portfolio Services Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.59 0.45 0.55 0.45 0.55

CPSS vs LX, XYF, FOA: Cyclically Adjusted PS Ratio Comparison

For the Credit Services subindustry, Consumer Portfolio Services's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Consumer Portfolio Services Cyclically Adjusted PS Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Consumer Portfolio Services's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Consumer Portfolio Services's Cyclically Adjusted PS Ratio falls into.


CPSS
56GF Score
Consumer Portfolio Services Inc CPSS
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Consumer Portfolio Services Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Consumer Portfolio Services's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Consumer Portfolio Services's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=5.169/333.9520*333.9520
=5.169

Current CPI (Jun. 2026) = 333.9520.

Consumer Portfolio Services Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 3.807 241.428 5.266
201612 3.811 241.432 5.271
201703 3.812 243.801 5.222
201706 3.988 244.955 5.437
201709 4.089 246.819 5.533
201712 4.941 246.524 6.693
201803 4.035 249.554 5.400
201806 3.955 251.989 5.241
201809 3.866 252.439 5.114
201812 3.737 251.233 4.967
201903 3.637 254.202 4.778
201906 3.600 256.143 4.694
201909 3.554 256.759 4.622
201912 3.579 256.974 4.651
202003 3.397 258.115 4.395
202006 3.244 257.797 4.202
202009 3.088 260.280 3.962
202012 2.808 260.474 3.600
202103 2.705 264.877 3.410
202106 2.657 271.696 3.266
202109 2.615 274.310 3.184
202112 2.536 278.802 3.038
202203 2.552 287.504 2.964
202206 2.793 296.311 3.148
202209 3.081 296.808 3.467
202212 3.484 296.797 3.920
202303 3.273 301.836 3.621
202306 3.344 305.109 3.660
202309 3.413 307.789 3.703
202312 3.456 306.746 3.763
202403 3.526 312.332 3.770
202406 3.725 314.175 3.959
202409 3.937 315.301 4.170
202412 4.132 315.605 4.372
202503 4.250 319.799 4.438
202506 4.415 322.561 4.571
202509 4.509 324.800 4.636
202512 4.604 324.054 4.745
202603 4.773 330.213 4.827
202606 5.169 333.952 5.169

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is Consumer Portfolio Services (CPSS) Overvalued in 2026?

Based on GuruFocus' analysis, Consumer Portfolio Services stock appears to be undervalued. The current stock price of $9.49 is trading 20.5% below its estimated GF Value™ of $11.94. GuruFocus considers Consumer Portfolio Services to be Modestly Undervalued.

Key valuation signals for CPSS:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: $11.94 vs. price of $9.49 (20.5% below fair value)
  • GF Score™: 56/100 with 7 warning signs

No single metric tells the full story. See the CPSS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Consumer Portfolio Services Business Description

Address 3800 Howard Hughes Parkway, Las Vegas, NV, USA, 89169
Consumer Portfolio Services Inc is a U.S based company operating in the specialty finance sector. Its business is to purchase and service retail automobile contracts originated by franchised automobile dealers and, to a lesser extent by select independent dealers in the United States in the sale of new and used automobiles, light trucks, and passenger vans. Through its automobile contract purchases, the company provides indirect financing to the customers of dealers having limited credit histories, low incomes, or past credit problems, who it refers to as sub-prime customers. It serves as an alternative source of financing for dealers, facilitating sales to customers.
56GF Score

Get the complete analysis for CPSS

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.49
Price
$11.94
GF Value